Opportunity Downpayment Assistance

Opportunity Downpayment Assistance是面向Statewide，Washington购房者的延期第二贷款。 Opportunity Downpayment Assistance pairs with WSHFC's House Key Opportunity bond-funded first mortgage to serve lower-income first-time homebuyers. Provides up to $10,000 at 1% simple interest, deferred. Income and sales price limits are tighter than Home Advantage but the underlying first-mortgage rate is typically lower due to tax-exempt bond financing. Up to $10,000 in down payment assistance paired with WSHFC's House Key Opportunity bond-funded first mortgage. 1% simple interest, deferred, with no monthly payments. principal and accrued interest due at sale, refinance, transfer, or end of first mortgage. Designed for first-time homebuyers with lower incomes (approximately $67,600-$121,150 depending on county). Pairs with the lower-rate House Key Opportunity first mortgage funded by tax-exempt bonds. 资金来自WSHFC bond proceeds and program funds。

Opportunity Downpayment Assistance提供最高$15,000的援助。 购房者自付部分：No minimum borrower contribution。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

Opportunity Downpayment Assistance为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Due at sale, refinance, transfer of title, end of first mortgage term, or when property is no longer borrower's primary residence。 该援助以2nd Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Opportunity Downpayment Assistance面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：First-time homebuyer required; waived in IRS-designated target areas。 关于信用，该项目说明：620 minimum FICO。 须参加购房者教育课程，由WSHFC-sponsored Commission-Sponsored Homebuyer Education Seminar (5-hour course)提供。 居住要求：Property must be in Washington and occupied as primary residence within 60 days of closing。 公民身份或移民身份：U.S. citizen or qualified non-citizen per agency loan-product guidelines。 First-time homebuyer required (no ownership in prior 3 years); waived in IRS-designated target areas. Income must be within House Key Opportunity county-tier limits (lower than Home Advantage; approximately $67,600 to $121,150). Sales price subject to House Key Opportunity bond limits by county and target/non-target status. Must complete WSHFC Commission-Sponsored Homebuyer Education Seminar before signing purchase contract. Must use House Key Opportunity first mortgage (bond-funded; subject to federal IRS recapture rules).

Opportunity Downpayment Assistance将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Income limits set by House Key Opportunity bond program by county and household size; range approximately $67,600 (1-2 person, lower-cost county) to $121,150 (3+ person, higher-cost county). See https://www.wshfc.org/buyers/income.htm. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Opportunity Downpayment Assistance的房价上限如下：Subject to House Key Opportunity IRS bond sales price limits by county and target/non-target status。 符合条件的房屋类型包括Single-family detached, townhomes, condos (agency-approved), PUDs和manufactured housing per agency guidelines。 新建房屋符合条件。 预制房屋符合条件。

Opportunity Downpayment Assistance在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Opportunity Downpayment Assistance服务于在Statewide，Washington购房的购房者。 该项目针对特定区域：IRS-designated qualified census tracts and areas of chronic economic distress in Washington; in target areas, first-time-homebuyer requirement waived and higher income/sales price limits apply.

Opportunity Downpayment Assistance的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Lender reserves via WSHFC online lender portal alongside House Key Opportunity first mortgage reservation预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。